Do You Know What Car Insurance Covers ?

When you turned 16 and got your license, you couldn’t wait to cruise around town in whatever wheels you could get your hands on. Then reality kicked in, and you realized driving came with a lot more responsibility. Car insurance is one expense you never thought about until it came time for you to hit the road on your own. What exactly does car insurance cover? Some of these answers depend on the type of coverage you wind up getting.

Comprehensive Coverage With Collision

If you carry full or comprehensive coverage, it pays out should your car sustain damage any other way other than a vehicle accident. If your car gets damaged by storms, a falling tree limb or gets stolen, it is this type of coverage that pays out. Comprehensive coverage is bundled with collision. If your car is struck by another vehicle, it is the collision policy that will kick in and pay for your vehicle to get repaired. Check out further details of auto insurance daytona beach fl. Neither of these policies is required by the state but may be required by a lender.

Liability Coverage

When you get into an accident, you may be found at-fault. If this is the case, your insurance steps up and covers the other person’s vehicle damage under your liability policy. This type of coverage is required by state law.

PIP Coverage (Personal Injury Protection)

If your liability insurance pays out because you were at-fault for an accident, and you sustained injuries in the wreck, you will want to file a claim under your PIP policy. This coverage pays for your medical bills relating to the accident. PIP is required by state law.

Personal Injury Protection could also be useful if you encounter legal challenges after an accident, as it typically covers medical expenses, lost wages, and other related costs regardless of fault. However, disputes may arise regarding coverage limits or claims processing. Consulting with a Car Accident Lawyer could help clarify your rights under your PIP coverage and guide you through any issues with insurance companies. With legal support, you could focus on your recovery while they address the complexities of your case, potentially reducing stress during a difficult time.

Additionally, various factors will determine the price and total coverage you have under your insurance policy, such as your driving history, the type of coverage selected, and your location. There are many options available to enhance your coverage should you ever get into a wreck.